Overview / Commentary
507-375-3376
202 1st Ave S
Saint James, MN 56081

The First National Bank at St. James is headquartered in Saint James and is the 266th largest bank in the state of Minnesota. It is also the 5,221st largest bank in the nation. It was established in 1934 and as of December of 2018, it had grown to 13 employees at 1 location. The First National Bank at St. James' CD rates are 11% higher than the national average, and it has a C+ health rating.

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Health
C+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The First National Bank at St. James has a low asset base.

Health Grade Components

Overall
FDIC Certificate #14853
Year Established1934
Employees13
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.43%
Return on Equity - YTD5.09%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$31.0MM$30.6MM
LoansQ4 2018vs Q4 2017$22.8MM$21.3MM
DepositsQ4 2018vs Q4 2017$27.5MM$27.4MM
Equity CapitalQ4 2018vs Q4 2017$2.5MM$2.5MM
Loan Loss AllowanceQ4 2018vs Q4 2017$311.00K$264.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$300.00K$310.00K
Real Estate OwnedQ4 2018vs Q4 2017$17.00K$35.00K
Rates
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The First National Bank at St. James CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.03%$5k-21 Month CD Special
2.50%$5k-13 Month CD Special
1.76%$500-36 Month CD
1.76%$5k-36 Month Variable CD
1.26%$500-24 Month CD
1.26%$500-30 Month CD
1.00%$500-12 Month CD
1.00%$500-18 Month CD
0.50%$500-182 Day CD
0.25%$500-91 Day CD
Locations


The First National Bank at St. James Locations
The First National Bank At St. James202 1st Ave SSaint James, MN 56081

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